Commercial Real Estate Financing in Los Angeles
George Smith Partners was founded in Los Angeles in 1978. For over four decades, our headquarters team has built the deepest lender relationships in the Southern California market—arranging billions in debt and equity for every property type across the region.
The Los Angeles Commercial Real Estate Market
Los Angeles is one of the largest and most diverse commercial real estate markets in the world. With a metropolitan economy exceeding $1 trillion, the region encompasses everything from institutional-grade office towers on the Westside to value-add multifamily in the San Fernando Valley, Class A industrial in the Inland Empire, and ground-up mixed-use development in Downtown LA. The city's position as a gateway to Pacific Rim capital and its massive population base create sustained demand across virtually every asset class.
Multifamily remains the dominant asset class in Los Angeles, driven by chronic housing undersupply, strong rent growth in submarkets from Hollywood to Long Beach, and a deep pool of institutional and private investors. Industrial and logistics properties have seen outsized demand as e-commerce fulfillment and port-adjacent warehousing continue to reshape the Southern California supply chain. Meanwhile, office repositioning, life sciences conversion, and studio-adjacent creative space have emerged as compelling value-add opportunities.
George Smith Partners' Los Angeles headquarters gives our clients a decisive advantage in this market. Our team's daily interactions with LA-based lenders, investors, and developers provide real-time intelligence on pricing, appetite, and deal flow that cannot be replicated from a distance. We know which capital sources are actively lending in specific LA submarkets, which structures are being quoted today, and how to position a transaction for the best possible execution.
Our Los Angeles Lender Relationships
Banks & Credit Unions
Deep relationships with California-based banks and credit unions that prioritize local market knowledge—including community banks with dedicated CRE lending desks active across LA County, the Inland Empire, and Orange County.
Learn More →Debt Funds
Access to dozens of debt funds headquartered in or actively deploying capital in Los Angeles, offering bridge, mezzanine, and preferred equity for transitional and value-add assets across Southern California submarkets.
Learn More →Agency Lending
Fannie Mae and Freddie Mac remain highly active in the Los Angeles multifamily market, offering the most competitive long-term fixed rates for stabilized apartment properties. Our team regularly sources agency executions for acquisitions and refinances.
Learn More →Life Companies & CMBS
LA's institutional-quality assets attract significant interest from life insurance company lenders and CMBS conduits. We leverage our relationships to secure competitive permanent financing for stabilized office, industrial, retail, and multifamily properties.
Learn More →Private Equity & Family Offices
Los Angeles is home to a dense concentration of private equity firms, family offices, and high-net-worth investors seeking CRE equity co-investment opportunities. Our team connects sponsors with the right equity partners for joint ventures and recapitalizations.
Learn More →C-PACE
California's C-PACE programs offer an additional layer of low-cost capital for qualifying energy efficiency and seismic upgrades—particularly relevant for LA's aging office and multifamily inventory. We structure C-PACE into the capital stack to reduce senior debt requirements.
Learn More →What We Finance in Los Angeles
Multifamily
Garden-style, mid-rise, and high-rise apartments across LA County, including value-add, new construction, and affordable housing.
Industrial & Logistics
Warehouse, distribution, last-mile delivery, and cold storage in the Inland Empire, South Bay, and Central LA corridors.
Office
Class A and creative office on the Westside, DTLA, and Burbank—including repositioning and life sciences conversion.
Hospitality
Hotels and resorts from Santa Monica to Palm Springs, including convention-center-adjacent and boutique lifestyle properties.
Mixed-Use
Transit-oriented and urban infill mixed-use developments combining residential, retail, and commercial uses across LA.
Retail
Neighborhood centers, grocery-anchored retail, and experiential retail properties across Southern California's diverse trade areas.
Los Angeles Headquarters
Our Century City headquarters serves as George Smith Partners' primary office. Located on Avenue of the Stars, the team is at the center of LA's financial and entertainment districts with direct access to the region's most active lenders, investors, and developers.
Frequently Asked Questions
How do I get commercial real estate financing in Los Angeles?
George Smith Partners acts as your capital advisor, sourcing debt and equity from our network of banks, debt funds, life companies, agency lenders, and private capital sources active in the Los Angeles market. We analyze your property, identify the optimal capital structure, solicit competitive bids, and negotiate the best available terms on your behalf.
What types of commercial properties can be financed in Los Angeles?
We arrange financing for all commercial property types in Los Angeles including multifamily apartments, office buildings, industrial and logistics facilities, retail centers, hospitality properties, mixed-use developments, student housing, and land. Our team has deep experience with the unique zoning, entitlement, and regulatory considerations that shape LA's commercial real estate landscape.
What are current commercial real estate lending rates in California?
Commercial real estate lending rates in California vary by property type, leverage, and lender. As of today, stabilized multifamily properties can access agency financing at competitive spreads, while transitional assets typically price at SOFR plus 250 to 500 basis points. Rates change frequently—contact our Los Angeles team for current market pricing tailored to your specific transaction.
Who are the top commercial mortgage brokers in Los Angeles?
George Smith Partners has been a leading commercial real estate capital advisory firm based in Los Angeles since 1978. Our team has arranged over $65 billion in debt and equity financing nationwide, with deep roots in the Southern California market. We maintain active relationships with every significant capital source lending in the LA region.
Does George Smith Partners finance properties outside of Los Angeles?
Yes. While our headquarters is in Los Angeles, George Smith Partners arranges financing nationwide. With offices in New York, Atlanta, Seattle, Dallas, and the Midwest, we have the local relationships and national reach to finance commercial real estate in every major market across the country.
Can I get non-recourse financing for a commercial property in Los Angeles?
Non-recourse financing is widely available in Los Angeles from agency lenders, CMBS conduits, debt funds, and life insurance companies for qualified sponsors and stabilized assets. Typical requirements include borrower net worth equal to or greater than the loan amount and post-close liquidity of 10 to 15 percent. Our team can identify which non-recourse options best fit your situation.
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